Loan Programs —
USDA Rural
We can help you buy your dream home with a no down payment mortgage loan. USDA Loans are available 36 months from a bankruptcy, short sale, or foreclosure. This 100% loan program For PRIMARY HOMES ONLY requires NO second mortgage. In order to finance the full 100%, there is a 2.75% funding fee that is financed into your home loan. This loan will allow the borrower to finance up to 102.75% of the appraised value. NOTE: the USDA one time guarantee fee of 2.75% is being reduced starting Oct 1st 2016 to 1% of the loan amount.
There is a very low monthly mortgage insurance payment included in your payment. USDA mortgage insurance is much less when compared to other programs like FHA or Conventional loans.
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We eliminate the lengthy loan process, we pre-approve our borrowers within hours